Fiscal deficit is—
(A) total income less Govt. borrowing
(B) total payments less total receipts
(C) total payments less capital receipts
(D) total expenditure less total receipts excluding borrowing
(E) None of these

In the Capital Market, the term arbitrage is used with reference to—
(A) purchase of securities to cover the sale
(B) sale of securities to reduce the loss on purchase
(C) simultaneous purchase and sale of securities to make profits from price
(D) variation in different markets
(E) Any of the above

Reverse repo means—
(A) Injecting liquidity by the Central Bank of a country through purchase of Govt. securities
(B) Absorption of liquidity from the market by sale of Govt. securities
(C) Balancing liquidity with a view to enhancing economic growth rate
(D) Improving the position of availability of the securities in the market
(E) Any of the above

The stance of RBI monetary policy is—
(A) inflation control with adequate liquidity for growth
(B) improving credit quality of the Banks
(C) strengthening credit delivery mechanism
(D) supporting investment demand in the economy
(E) Any of the above

Bank of Baroda is the one of the Public Sector Bank in India and this is second Largest Bank in India and most of the candidates looking for the Job in the Bank of Baroda, and BOB has recently released the notification for hiring the young talented guys in the Probationary Officer PO posts.

4. If ‘fork' is called ‘plate', ‘plate' is called 'knife', ‘knife' is called ‘jug', ‘jug' is called ‘glass', ‘glass' is called ‘cup' and ‘cup' is called ‘fork', by what do we cut fruit?

(1) spoon
(2) jug
(3) glass
(4) saucer
(5) none of these

5. If ‘a' is substituted by 26,'B' by 25 and so on up to ‘Z' which is substituted by 1, what will be the sum of the numbers substituted for the word ‘XRAY'?

(1) 33
(2) 40
(3) 37
(4) 73
(5) None of these

6. In a certain code COIMBATORE is written as DPJNCBUPSF. How is INDORE
written in that code?
(1) JOENQF
(2) JMCPQD
(3) JOEPSF
(4) HMCNQD
(5) None of these
7. Geeta is elder to Seeta but not to Deepa. Gayatri is younger than Deepa. No one
is elder to Fatima. Who is youngest of them all?
(1) Seeta
(2) Geeta
(3) Gayatri
(4) Data not sufficient
(5) None of these
8. Raman is sitting to the immediate left of Harry but not next to Kamal. Mahesh is
sitting to the right of Kamal. If the four friends are sitting in a circle who is sitting
to the immediate right of Harry?
(1) Mahesh
(2) Kamal
(3) Raman
(4) Harry
(5) Cannot be determined
9. How many three letter meaningful English words can be formed from the word
NOTE beginning with ‘T' and without repeating any letter?
(1) Three
(2) One
(3) Two
(4) None
(5) None of these
Directions (11-15): Answer question 11 to 15 based on the following sequence:
A $ B # 9 G 3D K « M ? C Q 2 X 7 P 5 U 8 I 4 Y ə J
11. How many elements in the above arrangement are both immediately preceded
and immediately followed by a number?
(1) One
(2) Two
(3) Three
(4) Five
(5) None of these
12. Which of the following will be the fifteenth element from the left end if all the
numbers are arranged in descending order from left to right, keeping the position
of the other elements in arrangement un-changed?
(1) 5
(2) 4
(3) 7
(4) 8
(5) None of these
13. How many letters in the above arrangement are immediately followed by a
symbol?
(1) Two
(2) Five
(3) Four
(4) Three
(5) None of these
14. Which of the following will be eighth to the left of the twelfth from the left end
of the arrangement?
(1) #
(2) 7
(3) U
(4) 9
(5) None of these
15. Four of the following five are alike in a certain way based on their position in
the above arrangement and so form a group. Which is the one that does not belong
to that group?
(1) G$M
(2) K9Q
(3) ?D7
(4) 2MU
(5) PCI
16. In a certain code language' In ba pe' means ‘he has won','le ki ba' means ‘she
has lost' and ‘in se pe' means ‘he always won'. Which word in that language means
‘he'?
(1) in
(2) pe
(3) se
(4) Data not sufficient
(5) None of these
17. X is Y's brother. S is T's mother and X's aunt. How is T related to X?
(1) Sister
(2) Cousin
(3) Aunt
(4) Cannot be determined
(5) None of these
18. If the letters of the word OBSERVANT are interchanged, such that the first
becomes ninth, second becomes eighth, and so on, and the position of the fifth
letter remains unchanged then what will be the new arrangement of letters?
(1) TNAVERSBO
(2) TNVARESBO
(3) NTAVERSBO
(4) VANTRESBO
(5) None of these
19. If 1 is coded as Ś, 5 is coded as %, 6 is coded as «, 3 is coded as +, 7 is coded
as # and 4 is coded as ? What will be the correct form of the number 435671?
(1) ? + % « # Ś
(2) ? + % Ś # «
(3) ? + « % # Ś
(4) Ś # « % + ?
(5) None of these
20. Which of the following have the same relationship as BREADBARE?
(1) SWORN: NSOWR
(2) FUNDS: FSDUN
(3) GLAZE : EGZAL
(4) LOWER: RLEWO
(5) None of these
Directions (21-25): Read the following information and attempt the given
questions:
Six executive Aman, Bindu, Deepa, Jitu, Kamal and Priyanka have to advertise
four products i.e. soap, watches, computers and chocolates on 3 different channels,
i.e. Go, Come and Fun either alone or in pairs. An executive can visit only one
channel and advertise only one product. No more than two executives can advertise
on a channel.
(i) Bindu and Jitu both visit the same channel but advertise different products.
(ii) Aman who visits ‘Go' advertises neither soap nor computers.
(iii) Kamal does not advertise chocolates.
(iv) No girl advertises soap.
(v) The two executives who advertise chocolates visit Spice
(vi)
21. Who advertises watches?
(1) Deepa
(2) Kamal
(3) Aman
(4) Priyanka
(5) None of these
22. Which of the following Channel-product pairs in definitely incorrect?
(1) Go-watch
(2) Come-computer
(3) Go-soap
(4) Come-soap
(5) Come-watch
23. Which channel does Kamal visit?
(1) Go
(2) Fun
(3) Come
(4) Cannot be determined
(5) None of these
24. If Bipasha advertises computers which of the following must be true?
(1) Jitu advertises soap
(2) Jitu advertises watches
(3) Kamal advertises computers (4) Kamal works for Fun
(5) None of these
25. What will Jitu advertise?
(1) Chocolates
(2) Watches
(3) Computers or watches
(4) Cannot be determined
(5) None of these
26. Swaroop and Simple want to attend a seminar together between 9 a.m. to 5
p.m. on Friday. Simple cannot leave till after her lunch break which begins at 1.30
p.m. Swaroop is free after her meeting which ends at noon. For how many hours
can the two of them attend the seminar?
(1) 3 ½ hours
(2) 2 ½ hours
(3) 4 ½ hours
(4) Cannot be determined
(5) None of these
27. How many pairs of letters are there in the word ANSWER each of which has as
many letters between them in the word as there are in the English language?
(1) One
(2) Two
(3) Four
(4) Three
(5) None of these
28. Find the odd one out
(1) 2
(2) 7
(3) 11
(4) 13
(5) 9
29. If all the letters in the word MERCIFUL are rearranged in alphabetical order
and substituted by the alphabet preceding them in the English alphabet what will
be the new arrangement of letters?
(1) BDHEKLQT
(2) BDEHKLQT
(3) BDEHLKQT
(4) BDEJMLQT
(5) None of these
30. Out of 38 families in a housing society 5 subscribe to Hindi news-papers alone,
12 subscribe to both Hindi and Marathi newspapers. Find the number of Maranthi
news-paper subscribers.
(1) 9
(2) 21
(3) 17
(4) cannot be determined
(5) None of these

1. RBI’s open market operation transactions are carried out with a view to
regulate—
(A) Liquidity in the economy
(B) Prices of essential commodities
(C) Inflation
(D) Borrowing power of the banks
(E) All the above
2. When more than one banks are allowing credit facilities to one party in
coordination
with each other under a formal arrangement, the arrangement is generally known
as—
(A) Participation
(B) Consortium
(C) Syndication
(D) Multiple banking
(E) None of these
3. Open market operations, one of the measures taken by RBI in order to
control credit
expansion in the economy means —
(A) Sale or purchase of Govt. securities
(B) Issuance of different types of bonds
(C) Auction of gold
(D) To make available direct finance to borrowers
(E) None of these
4. The bank rate means—
(A) Rate of interest charged by commercial banks from borrowers
(B) Rate of interest at which commercial banks discounted bills of their borrowers
(C) Rate of interest allowed by commercial banks on their deposits
(D) Rate at which RBI purchases or rediscounts bills of exchange of commercial
banks
(E) None of these
5. What is an Indian Depository Receipt ?
(A) A deposit account with a Public Sector Bank
(B) A depository account with any of Depositories in India
(C) An instrument in the form of depository receipt created by an Indian depository
against underlying equity shares of the issuing company
(D) An instrument in the form of deposit receipt issued by Indian depositories
(E) None of these
6. An instrument that derives its value from a specified underlying (currency,
gold, stocks etc.) is known as—
(A) Derivative
(B) Securitisation Receipts
(C) Hedge Fund
(D) Factoring
(E) Venture Capital Funding
7. Fiscal deficit is—
(A) total income less Govt. borrowing
(B) total payments less total receipts
(C) total payments less capital receipts
(D) total expenditure less total receipts excluding borrowing
(E) None of these
8. In the Capital Market, the term arbitrage is used with reference to—
(A) purchase of securities to cover the sale
(B) sale of securities to reduce the loss on purchase
(C) simultaneous purchase and sale of securities to make profits from price
(D) variation in different markets
(E) Any of the above
9. Reverse repo means—
(A) Injecting liquidity by the Central Bank of a country through purchase of Govt.
securities
(B) Absorption of liquidity from the market by sale of Govt. securities
(C) Balancing liquidity with a view to enhancing economic growth rate
(D) Improving the position of availability of the securities in the market
(E) Any of the above
10. The stance of RBI monetary policy is—
(A) inflation control with adequate liquidity for growth
(B) improving credit quality of the Banks
(C) strengthening credit delivery mechanism
(D) supporting investment demand in the economy
(E) Any of the above
11. Currency Swap is an instrument to manage—
(A) Currency risk
(B) interest rate risk
(C) currency and interest rate risk
(D) cash flows in different currencies
(E) All of the above
12. ‘Sub-prime’ refers to—
(A) lending done by banks at rates below PLR
(B) funds raised by the banks at sub-Libor rates
(C) Group of banks which are not rated as prime banks as per Banker’s Almanac
(D) lending done by financing institutions including banks to customers not
meeting with normally required credit appraisal standards
(E) All of the above
13. Euro Bond is an instrument—
(A) issued in the European market
(B) issued in Euro Currency
(C) issued in a country other than the country of the currency of the Bond
(D) All of the above
(E) None of these
14. Money Laundering normally involves—
(A) placement of funds
(B) layering of funds
(C) integration of funds
(D) All of (A), (B) and (C)
(E) None of (A), (B) and (C)
15. The IMF and the World Bank were conceived as institutions to—
(A) strengthen international economic co-operation and to help create a more
stable and prosperous global economy
(B) IMF promotes international monetary cooperation
(C) The World Bank promotes long term economic development and poverty
reduction
(D) All of (A), (B) and (C)
(E) None of (A), (B) and (C)
16. Capital Market Regulator is—
(A) RBI
(B) IRDA
(C) NSE
(D) BSE
(E) SEBI
17. In the term BRIC, R stands for—
(A) Romania
(B) Rajithan
(C) Russia
(D) Regulation
(E) None of these
18. FDI refers to—
(A) Fixed Deposit Interest
(B) Fixed Deposit Investment
(C) Foreign Direct Investment
(D) Future Derivative Investment
(E) None of these
19. What is Call Money ?
(A) Money borrowed or lent for a day or over night
(B) Money borrowed for more than one day but upto 3 days
(C) Money borrowed for more than one day but upto 7 days
(D) Money borrowed for more than one day but upto 14 days
(E) None of these
20. Which is the first Indian company to be listed in NASDAQ ?
(A) Reliance
(B) TCS
(C) HCL
(D) Infosys
(E) None of these
21. Which of the following is the Regulator of the credit rating agencies in
India ?
(A) RBI
(B) SBI
(C) SIDBI
(D) SEBI
(E) None of these
22. Who is Brand Endorsing Personality of Bank of Baroda ?
(A) Juhi Chawla
(B) Kiran Bedi
(C) Amitabh Bachchan
(D) Kapil Dev
(E) None of these
23. The branding line of Bank of Baroda is—
(A) International Bank of India
(B) India’s International Bank
(C) India’s Multinational Bank
(D) World’s local Bank
(E) None of these
24. The logo of Bank of Baroda is known as—
(A) Sun of Bank of Baroda
(B) Baroda Sun
(C) Bank of Baroda’s Rays
(D) Sunlight of Bank of Baroda
(E) None of these
25. Which of the following statements(s) is/are True about the exports of
China which is a close competitor of India ?
(i) China’s economic success is basically on the fact that it exports cheaper goods
to rich
nations like the USA, etc.
(ii) In the year 2007 China’s exports became almost 40% of its GDP.
(iii) When compared to India China’s share in the World Exports is more than 30%
whereas India’s share is mere 6% of the global exports.
(A) Only (i)
(B) Only (ii)
(C) Both (i) and (ii)
(D) All (i), (ii) and (iii)
(E) None of these
26. One of the major challenges banking industry is facing these days is
money laundering. Which of the following acts/norms are launched by the
banks to prevent money laundering in general ?
(A) Know Your Customer Norms
(B) Banking Regulation Act
(C) Negotiable Instrument Act
(D) Narcotics and Psychotropic Substance Act
(E) None of these
27. Lot of Banks in India these days are offering M-Banking Facility to their
customers. What is the full form of ‘M’ in ‘M-Banking’ ?
(A) Money
(B) Marginal
(C) Message
(D) Mutual Fund
(E) Mobile Phone
28. Which of the following is/are true about the ‘Sub-Prime Crisis’ ? (The
term was very much in news recently.)
(i) It is a mortgage crisis referring to credit default by the borrowers.
(ii) Sub-Prime borrowers were those borrowers who were rated low and were high
risk
borrowers.
(iii) This crisis originated because of negligence in credit rating of the borrowers.
(A) Only (i)
(B) Only (ii)
(C) Only (iii)
(D) All (i), (ii) and (iii)
(E) None of these
29. Which of the following is not the part of the structure of the Financial
System in India ?
(A) Industrial Finance
(B) Agricultural Finance
(C) Government Finance
(D) Development Finance
(E) Personal Finance
30. Which of the following is not the part of the scheduled banking structure
in India ?
(A) Money Lenders
(B) Public Sector Banks
(C) Private Sector Banks
(D) Regional Rural Banks
(E) State Co-operative Banks
31. As we all know Govt. of India collects tax revenue on various activities in
the country. Which of the following is a part of the tax revenue of the Govt. ?
(i) Tax on Income
(ii) Tax on Expenditure
(iii) Tax on Property or Capital Asset
(iv) Tax on Goods and Services
(A) Both (i) and (iii) only
(B) Both (ii) and (iv) only
(C) All (i), (ii), (iii) and (iv)
(D) Only (ii), (iii) and (iv)
(E) None of these
32. We very frequently read about Special Economic Zones (SEZs) in
newspapers. These SEZs were established with which of the following
objectives ?
(i) To attract foreign investment directly.
(ii) To protect domestic market from direct competition from multinationals.
(iii) To provide more capital to agricultural and allied activities.
(A) Only (i)
(B) Only (ii)
(C) Only (iii)
(D) All (i), (ii) and (iii)
(E) None of these
33. Which of the following groups of countries has almost 50% share in global
emission of carbon every year ?
(A) US, China, India, South Africa
(B) India, China, Russia, Britain
(C) South Africa, Nepal, Myanmar
(D) US, Russia, China & India
(E) None of these
34. Which of the following correctly describes the concept of ‘Nuclear Bank’
floated by International Atomic Energy Agency ?
(i) It is a nuclear fuel bank to be shared by all the nations jointly.
(ii) It is a facility to help nations in enrichment of uranium.
(iii) It is an agency which will keep a close vigil on the nuclear programme of all
the
nations.
(A) Only (i)
(B) Only (ii)
(C) Both (i) and (iii) only
(D) Only (iii)
(E) Both (i) and (ii) only
35. Many times we read about Future Trading in newspapers. What is
‘Future Trading’ ?
(i) It is nothing but a trade between any two stock exchanges wherein it is decided
to
purchase the stocks of each other on a fixed price throughout the year.
(ii) It is an agreement between two parties to buy or sell an underlying asset in the
future
at a predetermined price.
(iii) It is an agreement between stock exchanges that they will not trade the stocks
of each
other under any circumstances in future or for a given period of time.
(A) Only (i)
(B) Only (ii)
(C) Only (iii)
(D) All (i), (ii) and (iii)
(E) None of these
36. Inflation in India is measured on which of the following indexes/indicators
?
(A) Cost of Living Index (COLI)
(B) Consumer Price Index (CPI)
(C) Gross Domestic Product
(D) Wholesale Price Index (WPI)
(E) None of these
37. As per the reports published in the newspapers a section of society staged
a demonstration at the venue of the G-8 Summit recently. What was/were the
issues towards which these demonstrators were trying to draw the attention of
G-8 leaders ?
(i) Food shortage which has taken 50 million people in its grip.
(ii) Inflation which has gone up substantially across the Globe.
(iii) USA’s consistent presence in Iraq.
(A) Only (i)
(B) Only (ii)
(C) Only (iii)
(D) Both (i) and (ii) only
(E) None of these
38. Hillary Clinton formally suspended her campaign to ensure election of
who amongst the following for the next President of USA ?
(A) George Bush
(B) Barack Obama
(C) John McCain
(D) Bill Clinton
(E) None of these
39. Hugo Chavez whose name was recently in news is the—
(A) President of Congo
(B) Prime Minister of Uganda
(C) President of Venezuela
(D) Prime Minister of Brazil
(E) None of these
40. The Govt. of India has raised the amount of the Loan Waiver to the
farmers by 20%. Now the amount is nearly—
(A) Rs. 60,000 crore
(B) Rs. 65,000 crore
(C) Rs. 72,000 crore
(D) Rs. 76,000 crore
(E) Rs. 80,000 crore
41. Delimitation Commission has made a recommendation that next Census
should be Panchayat-wise. When is the next Census due ?
(A) 2010
(B) 2011
(C) 2012
(D) 2013
(E) 2015
42. The World Health Organisation has urged that advertisements of which of
the following should be banned to protect youth from bad effects of the same ?
(A) Tobacco
(B) Alcoholic drinks
(C) Junk Food
(D) Soft drinks with chemical preservatives
(E) None of these
43. Which of the following countries has allocated a huge amount of US $ 10
billion to provide relief to its earthquake victims ?
(A) Japan
(B) South Korea
(C) China
(D) South Africa
(E) None of these
44. India and Nepal have many agreements on sharing of the water of various
rivers. Which of the following rivers is not covered under these agreements ?
(A) Kosi
(B) Gandak
(C) Ganga
(D) Mahakali
(E) All these rivers are covered
45. Which of the following names is not closely associated with space
programme of India or any other country ?
(A) CARTOSAT
(B) NLS – 5
(C) RUBIN – 8
(D) GSLV
(E) SCOPE
46. Vijay Hazare Trophy is associated with the game of—
(A) Hockey
(B) Cricket
(C) Badminton
(D) Football
(E) Golf
47. Which of the following was the theme of the Olympic Torch ?
(A) Journey of Harmony
(B) Green World Clean World
(C) Journey of Peace
(D) Journey for Hunger-free World
(E) None of these
48. Which of the following schemes is not a social development Scheme ?
(A) Indira Awas Yojana
(B) Mid Day Meal
(C) Bharat Nirman Yojana
(D) Sarva Shiksha Abhiyan
(E) All are social schemes
49. Which of the following is not a member of the ASEAN ?
(A) Malaysia
(B) Indonesia
(C) Vietnam
(D) Britain
(E) Singapore
50. Which of the following Awards are given for excellence in the field of
Sports ?
(A) Kalinga Prize
(B) Shanti Swarup Bhatnagar Award
(C) Arjun Award
(D) Pulitzer Prize
(E) None of these